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<form id="loanAmount">
<div class="currency-form-field" aria-labelledby="amount">
<legend id="amount" class="currency-form-field__heading">Amount you wish to borrow</legend><label id="currency-input__label" class="currency-form-field__input-currency">£</label> <input aria-labelledby="amount" data-id="requested-amount"
class="currency-form-field__input" aria-placeholder="£100000" value="100,000" maxlength="7">
<div class="currency-form-field__validation-label"><img src="https://static.fundingcircle.com/img/uk/refresh/info-9a153d354e.svg" class="info-icon" alt="information"> Amount must be between £10,000 to £500,000</div>
</div>
</form>Text Content
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AgreeMore options
* Business Loans
Business Loans
* Business Loans Borrow £10,000 to £500,000 with an affordable small
business loan.
* Recovery Loan Scheme Information about the Government’s Recovery Loan
Scheme
* How To Get a Business Loan Find out how to get a business loan with our
step-by-step guide
* Business Loan Calculator Find out how much you can borrow with our small
business loan calculator
* Self Employed Loans Finance options for sole traders and self-employed
business owners
* Unsecured Business Loans Borrow without having to use your business assets
as collateral
LOANS DESIGNED TO SUIT YOUR BUSINESS
Simple, affordable business loans to help you grow, adapt and achieve your
goals. Apply in 10 minutes and get a quick decision.
Explore business loans
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* Line of Credit
FlexiPay
* FlexiPay Get a flexible, interest-free line of credit of £1,000 to
£250,000
* FlexiPay business card Pay your everyday business costs in monthly
instalments
FLEXIPAY – AN INTEREST-FREE LINE OF CREDIT
Manage your cash flow and spread the cost of purchases, supplier invoices and
business bills over 3 months
Explore FlexiPay
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* About us
About Us
* Why Funding Circle? We’ve been 100% focused on SME lending since 2010,
helping thousands of businesses reach their goals
* Contact Us Get in touch with our team with any questions
* Careers Find our latest vacancies and discover why Funding Circle is a
great place to work
* Diversity & Inclusion Discover how diversity and inclusion drive
innovation at Funding Circle, and sit at the heart of our culture
ABOUT US
Founded in 2010 to give small and medium-sized businesses better access to
finance, we’ve helped more than 120,000 businesses access over £13 billion in
finance
Learn more
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* Tips & Guides
*
* Sign in
* Apply now
× Get started with finance that's right for you
* BUSINESS LOANS
Fast, fixed-rate loans with repayment terms from 6 months to 6 years.
* Borrow £10,000 – £500,000
* No fees to settle early
* Rates from 7.9% per year
Apply for a business loan
Learn more
* INTEREST-FREE LINE OF CREDIT
Use FlexiPay to spread business costs over 3 months.
* £1,000 to £250,000 credit limit
* Free to set up
* 0% interest, flat 4.5% fee
Apply for FlexiPay
Learn more
Already a customer? Please sign in to your account to see which products
you’re eligible for.
* * Business Loans
Business Loans
* Business Loans Borrow £10,000 to £500,000 with an affordable small
business loan.
* Recovery Loan Scheme Information about the Government’s Recovery Loan
Scheme
* How To Get a Business Loan Find out how to get a business loan with our
step-by-step guide
* Business Loan Calculator Find out how much you can borrow with our
small business loan calculator
* Self Employed Loans Finance options for sole traders and self-employed
business owners
* Unsecured Business Loans Borrow without having to use your business
assets as collateral
LOANS DESIGNED TO SUIT YOUR BUSINESS
Simple, affordable business loans to help you grow, adapt and achieve your
goals. Apply in 10 minutes and get a quick decision.
Explore business loans
Back to top
* Line of Credit
Line of Credit
* FlexiPay Get a flexible, interest-free line of credit of £1,000 to
£250,000
* FlexiPay business card Pay your everyday business costs in monthly
instalments
FLEXIPAY – AN INTEREST-FREE LINE OF CREDIT
Manage your cash flow and spread the cost of purchases, supplier invoices
and business bills over 3 months
Explore FlexiPay
Back to top
* About Us
About Us
* Why Funding Circle? We’ve been 100% focused on SME lending since 2010,
helping thousands of businesses reach their goals
* Contact Us Get in touch with our team with any questions
* Careers Find our latest vacancies and discover why Funding Circle is a
great place to work
* Diversity & Inclusion Discover how diversity and inclusion drive
innovation at Funding Circle, and sit at the heart of our culture
ABOUT US
Founded in 2010 to give small and medium-sized businesses better access to
finance, we’ve helped more than 120,000 businesses access over £13 billion
in finance
Learn more
Back to top
* Tips & Guides
Apply now
× Get started with finance that's right for you
* BUSINESS LOANS
Fast, fixed-rate loans with repayment terms from 6 months to 6 years.
* Borrow £10,000 – £500,000
* No fees to settle early
* Rates from 7.9% per year
Apply for a business loan
Learn more
* INTEREST-FREE LINE OF CREDIT
Use FlexiPay to spread business costs over 3 months.
* £1,000 to £250,000 credit limit
* Free to set up
* 0% interest, flat 4.5% fee
Apply for FlexiPay
Learn more
Already a customer? Please sign in to your account to see which products
you’re eligible for.
CHECK IF YOU QUALIFY FOR A BUSINESS LOAN IN 30 SECONDS
--------------------------------------------------------------------------------
Expand, buy new equipment, hire staff or manage cash flow — whatever your
business goals, our loans can lend a hand
Get started
Apply now
Apply as a limited company without affecting your credit score
Excellent
13,974 reviews
CHECK IF YOU QUALIFY FOR A BUSINESS LOAN IN 30 SECONDS
--------------------------------------------------------------------------------
Expand, buy new equipment, hire staff or manage cash flow — whatever your
business goals, our loans can lend a hand
Get started
Apply now
Apply as a limited company without affecting your credit score
Excellent
13,974 reviews
Excellent
13,974 reviews
* Apply online in 10 minutes
* Decision in as little as 1 hour
* Borrow £10,000 to £500,000
* Rates from 7.9% per year
* No fees to settle early
Funding Circle has worked with the Government-owned British Business Bank since
2013, supporting thousands of businesses as one of the largest lenders under the
Coronavirus Business Interruption Loan (CBILS) and Recovery Loan Schemes.
See how affordable a Funding Circle loan can be
--------------------------------------------------------------------------------
Use our calculator to see what your monthly repayments could cost or get your
personalised rate
Amount you wish to borrow£
Amount must be between £10,000 to £500,000
For how many months?
6
12
24
36
48
60
72
6
*Calculations are indicative and intended as a guide only. You may be offered
different terms. Based on average rate of our lowest risk businesses, and
current fees, which may be subject to change.
MONTHLY REPAYMENT *
£ 17,564
Show loan breakdown
--------------------------------------------------------------------------------
Loan amount
£ 100,000
Completion fee
£ 3,000
Interest
£ 2,386
Total amount repayable
£ 105,386
Check your eligibility Apply now
We’ve helped over 135,000 businesses borrow £15.2 billion to take their business
further.
£15.2 billion
LENT TO BUSINESSES
Bramley & Gage
Gin distillery
Based in Gloucestershire
With their business funding, Edward and Michael from Bramley & Gage were able to
boost their production by purchasing a new gin still.
Read more View all funding stories
Get a personalised quote without affecting your credit score
--------------------------------------------------------------------------------
If you’re a limited company or LLP, you can get a loan decision without
affecting your credit score. So you can assess your options with complete peace
of mind.
1
Check if you qualify in 30 seconds
See if you qualify with no fuss
2
Apply online in 10 minutes
Tell us about you and your business in our online form
3
Get your decision in as little as 1 hour
If approved, you’ll get a personalised, no-obligation quote
4
Get your funds within 48 hours
Once you accept your offer, we’ll deposit the funds into your account
Apply now
Here to help if you need us
Contact our UK-based team if you have any questions
Contact us
How do business loans work?
--------------------------------------------------------------------------------
When you get a business loan, your loan provider will lend you a lump sum of
money, which you then repay over an agreed period with added interest. The money
must be used for business purposes, such as marketing, equipment or growth.
Am I eligible for a business loan?
--------------------------------------------------------------------------------
To be eligible to apply for a loan with us, you need to:
* Have been trading for 1 year or more
* Be based in the UK
--------------------------------------------------------------------------------
WHAT’S THE DIFFERENCE BETWEEN A BUSINESS LOAN AND A PERSONAL LOAN?
A BUSINESS LOAN IS INTENDED FOR BUSINESS USE ONLY SUCH AS BUYING STOCK OR
UPGRADING EQUIPMENT, WHEREAS A PERSONAL LOAN IS INTENDED FOR PERSONAL USE, SUCH
AS FINANCING A CAR OR MAKING HOME IMPROVEMENTS.
WHAT ARE THE DIFFERENT TYPES OF BUSINESS LOANS?
BUSINESS LOANS CAN TAKE DIFFERENT FORMS AND PROVIDE SPECIFIC NEEDS FOR SPECIFIC
TYPES OF BUSINESSES AND BUSINESS NEEDS. TYPES OF BUSINESS LOANS INCLUDE:
* RECOVERY LOAN SCHEME (RLS)
* UNSECURED BUSINESS LOANS
* WORKING CAPITAL LOANS
* COMPANY LOANS
* SELF EMPLOYED LOANS
* ASSET FINANCE
WHAT IF I’VE BEEN REFUSED A BUSINESS LOAN IN THE PAST?
IF YOU HAVE BEEN REFUSED A BUSINESS LOAN IN THE PAST THERE ARE A FEW STEPS YOU
CAN CONSIDER BEFORE YOU APPLY FOR ANOTHER LOAN:
* REVIEW YOUR FINANCIALS
* IMPROVE YOUR CREDIT SCORE
* ADDRESS ANY OUTSTANDING DEBTS
ONCE YOU’VE TAKEN THESE STEPS YOU MAY BE IN A BETTER POSITION TO REAPPLY FOR A
SMALL BUSINESS LOAN AGAIN.
ARE BUSINESS LOANS HARD TO GET?
WE WANT TO HELP AS MANY BUSINESSES AS WE CAN GET ACCESS TO FINANCE, AND APPROVE
THOUSANDS OF LOANS EVERY YEAR. TO MAKE IT EASIER FOR BUSINESS OWNERS, WE’VE MADE
APPLYING FOR A SMALL BUSINESS LOAN FAST AND HASSLE-FREE. YOU CAN APPLY FOR
BUSINESS LENDING ONLINE.
--------------------------------------------------------------------------------
Bobbin Bicycles
bicycle company
London
Tom at Bobbin Bicycles used his business loan to sell directly to customers via
their website, cutting out the distributors he’d previously relied on.
Read more View all funding stories
How much will a business loan cost?
--------------------------------------------------------------------------------
The amount your loan will cost will depend on the amount of money you want to
borrow, your interest rate and your loan term. We charge a one-off completion
fee when you take out your loan, and your interest rate will be calculated based
on a number of factors, including your credit score and finances.
There’s no fee if you want to settle the loan early. All our loans are fixed
rate, so you’ll know exactly how much you’ll need to repay each month and what
the cost of borrowing is.
If you’d like a breakdown of how much your loan could cost, check out our
business loan calculator here.
How much can I borrow?
--------------------------------------------------------------------------------
At Funding Circle, you can apply for a small business loan of £10,000-£500,000.
If you want to take out a loan under the Government’s Recovery Loan Scheme
(RLS), you can borrow £25,001-£350,000. Check if you’re eligible to borrow here
.
--------------------------------------------------------------------------------
WHAT ARE THE INTEREST RATES FOR A BUSINESS LOAN?
WITH INTEREST RATES STARTING FROM 7.9% PER YEAR, A FUNDING CIRCLE SMALL BUSINESS
LOAN CAN BE MUCH MORE AFFORDABLE THAN A BUSINESS OVERDRAFT OR A BUSINESS CREDIT
CARD. YOU CAN ALSO TAKE AN UNSECURED LOAN WITHOUT PUTTING DOWN PROPERTY OR
ASSETS AS A SECURITY, AND THERE’S NO FEE IF YOU WANT TO PAY OFF YOUR LOAN EARLY
IN ONE GO.
HOW LONG CAN I BORROW FOR?
TERMS ARE AVAILABLE FROM 6 MONTHS TO 6 YEARS. THERE’S ALSO NO FEES FOR FULL
EARLY REPAYMENT, SO YOU CAN SETTLE EARLY AT NO EXTRA COST.
DO I NEED A PERSONAL GUARANTEE?
IF YOU’RE APPROVED FOR A FUNDING CIRCLE BUSINESS LOAN, A PERSONAL GUARANTEE WILL
BE REQUIRED.
WHAT DOCUMENTS DO I NEED FOR A BUSINESS LOAN?
AFTER YOU HAVE COMPLETED OUR ONLINE FORM, YOU’LL NEED TO SEND A FEW DOCUMENTS TO
FINISH YOUR APPLICATION. WE MAY REQUIRE:
BUSINESS BANK STATEMENTS FOR UP TO THE LAST EIGHT MONTHS
THEY MUST SHOW:
* THE ACCOUNT NAME AND (WHERE POSSIBLE) THE REGISTERED ADDRESS. THESE MUST
MATCH THE BUSINESS YOU CREATE THE LOAN APPLICATION FOR.
* THE SORT CODE AND ACCOUNT NUMBER.
* ALL DAILY TRANSACTIONS.
LATEST FULL UNABBREVIATED ACCOUNTS
THIS MUST INCLUDE:
* PROFIT AND LOSS
* DETAILED PROFIT AND LOSS
* BALANCE SHEET INFORMATION
WHEN DO I NEED TO START REPAYING MY BUSINESS LOAN?
YOUR MONTHLY PAYMENTS WILL START ONE MONTH AFTER FUNDING CIRCLE FUNDS YOUR LOAN.
TO MAKE SURE YOUR PAYMENT IS PROCESSED IN TIME FOR THE REPAYMENT DATE ON YOUR
CONTRACT, WE WILL TAKE THE DIRECT DEBIT PAYMENT UP TO 5 DAYS BEFORE IT IS DUE.
FOR EXAMPLE, IF WE FUND YOUR LOAN ON JUNE 6, THEN WE WILL TAKE YOUR FIRST
PAYMENT ON JULY 1 AND EACH SUBSEQUENT PAYMENT WILL BE TAKEN ON THE 1ST OF THAT
MONTH.
CAN I REPAY MY BUSINESS LOAN EARLY?
YES, YOU’RE ABLE TO SETTLE YOUR LOAN EARLY AT ANY TIME AND THERE ARE NO FEES FOR
FULL EARLY REPAYMENT.
--------------------------------------------------------------------------------
Is a business loan right for me?
--------------------------------------------------------------------------------
Before considering a small business loan, you should take some time to work out
whether a loan is your best option. Business loans can be used to refinance
existing debt, or support your business through times of financial hardship.
You should never take out a business loan if you’re worried about whether you
can meet the repayments.
A business loan could be right for you if:
--------------------------------------------------------------------------------
* You're buying assets that will add long-term value to your business
* You require additional funds to grow or expand your business
* You wish to improve your business credit score
* You need help managing your cash flow
--------------------------------------------------------------------------------
A business loan may not be right for you if:
--------------------------------------------------------------------------------
* You cannot find a loan of the correct amount with suitable terms
* You are not certain you can afford repayments
* You have recently been refused a business loan
* You have used up all existing lines of credit
Improving your credit score can better your chances of getting a business loan.
You can find some advice on how to boost your score here.
--------------------------------------------------------------------------------
HOW DO I QUALIFY FOR A SMALL BUSINESS LOAN?
QUALIFYING FOR A SMALL BUSINESS LOAN DEPENDS ON YOUR SITUATION AND WE TAKE A
NUMBER OF FACTORS INTO ACCOUNT. UNFORTUNATELY, YOU WON’T QUALIFY FOR A FUNDING
CIRCLE LOAN IF YOU HAVE BEEN TRADING FOR LESS THAN ONE YEAR.
TO FIND OUT IF YOU QUALIFY, APPLY FOR A BUSINESS LOAN HERE APPLY FOR A BUSINESS
LOAN HERE.
WHEN WILL I GET A DECISION ON MY SMALL BUSINESS LOAN?
YOU’LL GET A DECISION ON YOUR SMALL BUSINESS LOAN IN AS LITTLE AS 1 HOUR.
WHAT ARE BUSINESS LOAN TERMS?
“LOAN TERMS” REFER TO THE AGREED DETAILS INVOLVED WHEN BORROWING MONEY SUCH AS
REPAYMENT PERIOD AND LOAN INTEREST RATES.
WITH A BUSINESS LOAN FROM FUNDING CIRCLE YOU CAN BORROW OVER 6 MONTHS TO 6
YEARS, WITH INTEREST RATES STARTING FROM 7.9% PER YEAR.
WHAT HAPPENS IF I THINK I MAY MISS A REPAYMENT ON MY BUSINESS LOAN?
IF YOU ARE WORRIED ABOUT YOUR UPCOMING REPAYMENT(S), IT IS IMPORTANT THAT YOU
CONTACT US ON 0203 966 1191 AS SOON AS POSSIBLE TO DISCUSS YOUR OPTIONS.
--------------------------------------------------------------------------------
Related resources
--------------------------------------------------------------------------------
Learn more about your options for small business loans
Business loan calculator Tips & Guides Recovery Loan Scheme Secured or unsecured
loans
Excellent
13,974 reviews
Excellent
13,974 reviews
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FUNDING CIRCLE
About us
Statistics
Media
Shareholder Information
DISCOVER MORE
Institutional investors
Introducers
Tips & Guides
Careers
Diversity & Inclusion
Developers
Partner API
SUPPORT
Help
Contact us
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Legal
Security
Modern Slavery Statement
OTHER
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Copyright © Funding Circle 2023. All rights reserved
Funding Circle Limited is authorised and regulated by the Financial Conduct
Authority under firm registration number 722513.
Funding Circle is not covered by the Financial Services Compensation Scheme.
Registered in England (Co. No. 06968588) with registered office at 71 Queen
Victoria Street, London, EC4V 4AY.
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